Bay County property record for 3963 E Smith Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,830 sqft · built 1962 |
| Lot Size | 0.202 acres (8,799 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $167,900 (Aug 2021) |
| Tax Bill | $2,544 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 010-L13-000-915-00 |
| Primary APN | 010-L13-000-915-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,830 sqft Living Area |
| 1st Floor Area | 1,446 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Lot Area | 8,799 sqft (0.202 acres) |
| Lot Dimensions | 110 ft deep x 80 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3963 E SMITH RD |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-1744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOTS 915 & 916. LAGOON BEACH 3RD ADD. |
| Legal Subdivision | LAGOON BEACH THIRD ADDITION |
| Legal Lot Number | 915-916 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 285900 |
Source: Bay County records, as of May 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3963 E SMITH RD, BAY CITY, MI 48706-1744 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2021 | Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Nov 17, 2020 | Warranty Deed, Transfer · FHA Mortgage ACADEMY MTG |
| Oct 7, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2021 · Amount on Record |
| Deed Sale | Aug 3, 2021 · Amount on Record |
| Prior Sale | Nov 17, 2020 · Amount on Record |
| Deed Document Number | 202113341 |
| Prior Transfer Date | Aug 16, 2019 |
| Prior Transfer Doc | 0000013709 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 3, 2021 |
| Property Address | 3963 E SMITH RD, BAY CITY, MI 48706-1744 |
| Document Number | 202113341 |
| Map Reference | LB 4 PG 67 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 202113341 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,444.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3963 E SMITH RD, 3963, BAY CITY, MI 48706-1744 |
| Name | Verified Name |
|---|---|
| Address | 1002 MAHAFFEY AVE, ROCHESTER, MI 48307-1528 |
| Document Number | 202113342 |
|---|---|
| Date | Aug 3, 2021 |
| Instrument | 202113342 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Nov 17, 2020 |
| Property Address | 3963 E SMITH RD, BAY CITY, MI 48706-1744 |
| Document Number | 0000016515 |
| Instrument Date | Nov 16, 2020 |
| Instrument | 16515 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2021 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $963.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3439 GARFIELD RD AUBURN MI 486119715, AUBURN, MI 48611-9715 |
| Document Number | 16516 |
|---|---|
| Date | Nov 17, 2020 |
| Instrument | 16516 |
| Name | ACADEMY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 16, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 7, 2019 |
| Property Address | 3963 E SMITH RD, BAY CITY, MI 48706-1744 |
| Document Number | 0000013709 |
| Instrument Date | Aug 16, 2019 |
| Instrument | 13709 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3963 E SMITH RD BAY CITY MI 487061744, BAY CITY, MI 48706-1744 |
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Bangor Charter Township |
| Unified School District | Bangor Township Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,544.00 (+21.03%) Homeowner's exemption | $81,750 (+28.74%) | $163,500 (+28.74%) |
| 2023 | $63,500 | $127,000 | |
| 2022 | $2,102.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 584.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 8 (1983–2017) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Jun 2017 · Severe Storms And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 89% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF BAY CITY serves 32,255 people · EPA ID MI0000470 |
|---|---|
| Water Source | Purchased surface water from BAY AREA WATER SYSTEM |
| Last State Inspection | Nov 2025 |
| Lead | 8 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2024 |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T DSL | 100 / 20 |
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